Thanks, Catina. I've used the withholding estimator but I'm not sure I understand the results. I've input the necessary info and the results show a substantial refund estimate of $6k if we make no changes to our withholding for 2020. Why do we currently owe over $400 after 2019 if we haven't updated our W-4 since July of 2018?
How can there be such a wildly different estimate from year to year when our behavior has not changed at all?
